OpenAI launches ChatGPT Wallet for US Dots AI agents

Wallet features and security checks

The new digital wallet substitutes a payment token for a user's credit card details. Users must review items, approve the total cost, and complete a biometric scan like Face ID or a fingerprint scan before checkout. OpenAI states that existing card rewards are preserved while eligible dispute protections remain unaffected. The system charges the card using this token instead of the number, security code, or expiration date.

Eligibility requirements and rollout scope

ChatGPT Wallet is available starting today for subscribers in the United States aged 18 and older. Eligible users must hold a US billing address and possess an American Express, Chase, Mastercard, or Visa card issued in the US. OpenAI published a Commerce Partner Playbook alongside the announcement to help businesses support customers using agents. The playbook aims to ensure agent access despite growing restrictions from retailers and service providers.

Industry friction and future delegation

Many businesses have begun blocking AI agents from browsing and purchasing on their platforms directly or indirectly. Amazon moved to block Meta's Muse agents almost immediately after the launch of similar tools last month. United Airlines announced a policy this week to restrict agent access via travel agencies and aggregators. OpenAI expects users to eventually delegate purchases entirely by setting spending limits, categories, or time periods.